OK, most well thought out and well written response, ever.

I am picking up that LC is/was the Napster of loans. Basically connecting money with people taking little to no legal responsibility for the outcome of the transaction, but simply providing the platform.

Now Napster has to actually purchase or license all the music from the record labels and sell it to the consumer themselves, and that takes moving parts, aka people, which cost a lot of money. Napster collapses under the weight of these new responsibilities, paving the way for Apple and its successors to start doing it the right way by licensing and selling songs for $0.99 each. Am I close?